Our carrier calls the coverage on our rental properties "Fire" policies.

It lists properties that are about to go up for auction on the courthouse steps as well as the mortgage carrier and the attorney that is handling it.

Financial - copies of P&Ls along with their corresponding tax returns/bank deposits to prove them, a current rent roll (and depending on the size) estoppel letters from the tenants confirming lease charges are what is represented in the rent roll, a thorough lease audit of all tenants to include the screening they underwent before being handed keys, last 3-5 years of insurance loss runs from the owners carrier, and understanding the property tax assessment and how a sale might change the current charges.3.

The right carrier and specific coverages will depend on what's "under the hood" of your business plan.  

I did carrier test few weeks ago and it showed me software developer and system or financial analytic as top. 

He's good at matching the right carrier based upon your specific type of housing to get the best rates. 

Here are couple of articles about it: http://www.nbc-2.com/story/22912984/why-are-your-h...http://www.housingpredictor.com/homeowners/A lot of carriers have pulled out and won't even write policies in Florida anymore.

Then called Geico - ended up referring me to the same carrier that State Farm did - so I cut that conversation short.

Anyways, there is very little shopping around, as most agencies just come back from the same carrier CITIZENS, since many private insurance companies stopped issuing new policies in South Florida. 

Roofs have been a hot  button the last 18 months or so with the insurance carriers .